GOVERNMENT SCHEME GUIDE
PM Surya Ghar, step by step
Muft Bijli Yojana: up to ₹78,000 central subsidy + a collateral-free 7% loan for residential rooftop solar. Here's exactly how it works — and what we handle for you.
Subsidy is capped at the 3 kW slab — larger residential systems still receive ₹78,000. See your exact numbers →
Registered housing societies and RWAs get ₹18,000 per kW for solar powering common facilities — lifts, pumps, common lighting, even EV charging — for systems up to 500 kW(cap includes members' individual rooftop systems). Members can separately claim the individual slabs on their own flats' share. The calculator has a dedicated Housing society mode →
- Uttar Pradesh: +₹15,000/kW (max ₹30,000) via UPNEDA — reimbursed after commissioning; limited to the first 1,00,000 installations.
- Maharashtra (SMART): +₹10,000–₹17,500 for eligible EWS/BPL households (~1 kW, under 100 units/month) via MSEDCL.
- Delhi: +₹2,000/kW (max ₹10,000) plus a generation-based incentive of up to ₹3/unit on your bill.
- Other states currently ride on the central subsidy alone; schemes change — we verify what applies to you during the free survey.
The 6-step application
What a solar unit is worth in your state
Every unit you self-consume saves your provider's effective rate (energy charge + fuel surcharge + duty); surplus exports settle at a lower rate. Representative figures — your bill decides the exact rate.
| State | Providers (DISCOMs) | Effective rate (₹/unit) | Surplus export (₹/unit) |
|---|---|---|---|
| Gujarat | Torrent Power · Urban (GEB / UGVCL·MGVCL) · Rural (GEB / DGVCL·PGVCL) | 7.5–14.0 | ~2.25 |
| Maharashtra | MSEDCL (Mahavitaran) · Adani Electricity (Mumbai) · Tata Power (Mumbai) · BEST (Mumbai) | 8.7–13.9 | ~2.82 |
| Delhi | BSES Rajdhani · BSES Yamuna · Tata Power-DDL | 5.0–5.2 | ~2.00 |
| Rajasthan | Jaipur Vidyut (JVVNL) · Ajmer Vidyut (AVVNL) · Jodhpur Vidyut (JdVVNL) | 8.1–8.1 | ~3.26 |
| Karnataka | BESCOM (Bengaluru) · HESCOM / MESCOM / others | 7.0–7.6 | ~2.93 |
| Tamil Nadu | TNPDCL (ex-TANGEDCO) | 6.0 | ~0.00 |
| Telangana | TGSPDCL / TGNPDCL | 6.8 | ~2.00 |
| Andhra Pradesh | APSPDCL / APEPDCL / APCPDCL | 6.8 | ~2.09 |
| Uttar Pradesh | UPPCL (PuVVNL/MVVNL/etc.) | 6.2 | ~2.00 |
| Madhya Pradesh | MP Poorv/Paschim/Madhya Kshetra | 7.5 | ~2.14 |
| West Bengal | WBSEDCL · CESC (Kolkata) | 8.4–9.0 | ~0.00 |
| Haryana | UHBVN (North) · DHBVN (South) | 5.3–5.3 | ~0.00 |
| Kerala | KSEB | 8.8 | ~3.20 |
| Chhattisgarh | CSPDCL | 6.3 | ~2.00 |
| Odisha | TP Central/Southern/Western/Northern | 5.7 | ~0.00 |
PM Surya Ghar FAQ
How much subsidy will I get?
₹30,000 for a 1 kW system, ₹60,000 for 2 kW, and ₹78,000 for 3 kW or larger. The subsidy is fixed above 3 kW — a 5 kW system still receives ₹78,000.
Who is eligible?
Residential consumers who own their house with a valid electricity connection and roof rights. The house must not have availed an earlier rooftop-solar subsidy, and the equipment must be ALMM/BIS-compliant, installed by a registered vendor.
What documents do I need?
Recent electricity bill, proof of ownership (property tax receipt / sale deed), a photo of the roof, Aadhaar, and bank details with a cancelled cheque for the subsidy transfer. Your vendor uploads the technical documents.
Is there really a 7% loan?
Yes — collateral-free loans up to ₹2,00,000 at ~7% p.a. for up to 10 years for residential systems up to 3 kW, available through most public-sector banks and linked from the PM Surya Ghar portal. The EMI is often lower than the electricity bill the system replaces.
How long does the whole process take?
Typically 4–8 weeks end to end: portal registration and DISCOM feasibility (~2-3 weeks), installation (2-3 days on site), then net-meter installation, inspection and subsidy disbursal (~2-4 weeks). SilInfra handles every step of the paperwork.
Ready to power your business with the sun?
Talk to our engineering team for a free site assessment and a bankable proposal.